Marketplace plans
Most individual coverage in Arizona is sold through the Health Insurance Marketplace. A premium tax credit can lower the monthly cost, depending on household size and income. We check whether you qualify before you pick a plan.
Individual & family
Health insurance you buy on your own
Marketplace plans for a household you buy on your own. We check doctors, prescriptions, and the monthly cost before you enroll.
- Marketplace plans
- Doctors and prescriptions
- Clayton on our team
Individual health insurance is coverage you choose and pay for yourself, not through an employer. In Phoenix and across Arizona, that is often a Marketplace plan. The right fit depends on your doctors, your prescriptions, and what you can pay each month.
Group Plans has compared carriers for Arizona families since 1977. Our agents are independent, so we are not tied to one company. We explain networks, deductibles, and premiums in plain language, and we stay available after you enroll.
Our help costs you nothing. The insurance companies we represent pay us. You pay the same premium you would pay by enrolling on your own.
What to compare
When you can enroll
Open Enrollment is the yearly window to start or change a Marketplace plan. A Special Enrollment Period can open after you lose job coverage, move, or your household changes. If you missed both, short-term medical can cover a gap. It is not a Marketplace plan.
Networks and doctors
HMO, PPO, and EPO plans differ in which doctors you can see, and whether you need a referral. Bring the names of the doctors you want to keep. We check the network before you enroll.
What you pay
The premium is the monthly bill. The deductible and out-of-pocket maximum are what you pay when you use care. A lower premium often means higher costs later. Prescription coverage varies by plan.
Enroll online
You will complete enrollment on the carrier's secure site. Group Plans remains your agent at no extra cost.
HealthSherpa
Individual and family health plans
Major medical coverage through the Health Insurance Marketplace. Compare plans for yourself or your family, then enroll. The application already includes the Group Plans agent code.
- Affordable Care Act plans, not short-term coverage
- A premium tax credit can lower the monthly bill
- You finish the application on HealthSherpa
Compare plansOpens HealthSherpa
UnitedHealthcare
Short-term medical and add-ons
A quote for a temporary health plan, plus dental, vision, and other UnitedHealthcare add-ons. Use this for a gap in coverage, not for a Marketplace plan.
- Short-term medical while you are between other coverage
- Dental, vision, and other add-on plans in the same quote
- You start the quote on the UnitedHealthcare site
Not Affordable Care Act coverage. Most short-term plans do not cover pre-existing conditions.
Get a quoteOpens UnitedHealthcare
Questions
Do I pay more if I use a broker?
No. Our help costs you nothing. The insurance companies we represent pay us. Your premium is the same as if you enrolled on your own.
When can I enroll in individual health insurance?
Marketplace plans are available during Open Enrollment, and during a Special Enrollment Period after certain life events, such as losing other coverage. Call us and we will tell you which window applies.
What if I missed Open Enrollment?
If you do not qualify for a Special Enrollment Period, a short-term medical plan can cover a temporary gap. Those plans are not Marketplace coverage and usually do not cover pre-existing conditions. They are described on our Ancillary page.
Can you help with family coverage?
Yes. An individual and family plan can cover a spouse and children on one policy. We compare covering everyone together with other options when that changes the cost.
This website is operated by Group Plans, Inc. Content is provided for general information only and does not constitute professional advice. Contact the business directly for guidance specific to your situation.
Before you call
Prefer to talk it through? A rough picture is enough. Exact figures can wait until the appointment.
- How many people need coverage, and a rough household income
- Doctors and clinics you want to keep
- Prescriptions you take now
Or call our office at (623) 889-7600.
Clayton
Advisor
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